Visa types, income and credit documentation, ITIN loans, Non-QM foreign national programs, and down payment requirements for non-US citizens buying homes in Pennsylvania.
Dynamic Funding
What qualifies as a jumbo loan in Pennsylvania and Florida, credit and reserve requirements, PA and FL market examples, and how a mortgage broker gets you better jumbo pricing...
Cash-out vs rate-and-term refinance — LTV limits, when each makes sense for PA and FL homeowners, break-even analysis, and how to decide based on your equity position and rate...
What a mortgage escrow account is, how PITI payments break down, PA's three tax bills, when you can waive escrow, and what happens when property taxes change — explained...
VA loan entitlement — what it is, how basic vs bonus entitlement works, using VA more than once, restoring entitlement after a sale, and how to get your Certificate...
USDA loans offer 100% financing in eligible rural and suburban Pennsylvania areas. Eligible counties, income limits, credit requirements, guarantee fee vs FHA MIP comparison, and how a broker navigates...
What a HECM reverse mortgage is, how proceeds work, repayment triggers, non-recourse protection, and why Pennsylvania and Florida retirees use it to supplement income and age in place.
What a bridge loan is, when it makes sense in a competitive Pennsylvania market, how it's structured, what it costs, and how Lena accesses bridge products through wholesale lenders...
How bank statement mortgage programs work for self-employed buyers in Pennsylvania and Florida — 12 or 24 months of deposits instead of tax returns, income calculation methods, credit and...
How construction loans work in Pennsylvania — draw schedules, one-close vs two-close structures, qualification requirements, and how Lena navigates construction lenders for Bucks, Chester, Montgomery, and Lancaster County custom...